Search company, investor...


Founded Year



Series C - II | Alive

Total Raised




Last Raised

$30M | 1 yr ago

About Zeta

Zeta offers a cloud-native and fully API-enabled stack that includes processing, issuing, lending, core banking, and many other capabilities, helping issuers launch next-gen card programs. The company's managed services include product strategy, mobile app development, operations, managed compliance, customer support, collections, fraud and risk monitoring, and analytics. Its primary clients include fintechs and banks. Zeta was founded in 2015 and is based in San Francisco, California.

Headquarters Location

San Francisco, California,

United States

Missing: Zeta's Product Demo & Case Studies

Promote your product offering to tech buyers.

Reach 1000s of buyers who use CB Insights to identify vendors, demo products, and make purchasing decisions.

ESPs containing Zeta

The ESP matrix leverages data and analyst insight to identify and rank leading companies in a given technology landscape.

Financial Services / Digital Lending Tech

The lending APIs & infrastructure market provides modern, flexible cloud-native platforms to incumbent banks running on outdated core banking systems. Lending infrastructure providers offer end-to-end solutions for lending operations, including loan management systems, risk management tools, and compliance management capabilities. The market for lending APIs and infrastructure is driven by factors…

Zeta named as Highflier among 15 other companies, including Mambu, Plaid, and Thought Machine.

Missing: Zeta's Product & Differentiators

Don’t let your products get skipped. Buyers use our vendor rankings to shortlist companies and drive requests for proposals (RFPs).

Research containing Zeta

Get data-driven expert analysis from the CB Insights Intelligence Unit.

CB Insights Intelligence Analysts have mentioned Zeta in 2 CB Insights research briefs, most recently on Aug 22, 2022.

Expert Collections containing Zeta

Expert Collections are analyst-curated lists that highlight the companies you need to know in the most important technology spaces.

Zeta is included in 5 Expert Collections, including Banking.



881 items


Unicorns- Billion Dollar Startups

1,215 items


Digital Lending

1,987 items

This collection contains companies that provide alternative means for obtaining a loan for personal or business use and companies that provide software to lenders for the application, underwriting, funding or loan collection process.



8,444 items


Fintech 250

499 items

250 of the top fintech companies transforming financial services

Zeta Patents

Zeta has filed 6 patents.

The 3 most popular patent topics include:

  • Battery types
  • Electrochemistry
  • Lithium-ion batteries
patents chart

Application Date

Grant Date


Related Topics



Rechargeable batteries, Lithium-ion batteries, Electrochemistry, Energy storage, Battery types


Application Date


Grant Date


Related Topics

Rechargeable batteries, Lithium-ion batteries, Electrochemistry, Energy storage, Battery types



Latest Zeta News

Zeta’s Bhavin Turakhia Calls Fintech A ‘Fallacy’; Here’s Why

Mar 27, 2023

The term fintech, which has a lot at its core, is being used interchangeably across startups providing financial services, says Zeta’s Turakhia Turakhia said that the financial services ecosystem is just like any other sector/industry or ecosystem that has manufacturing, distribution and technology at its crux If you truly want to call yourself a fintech, partner with a bank and offer your customers the value that banks do not provide, the founder said “Fintech is the most abused buzzword out there,” said Zeta’s Bhavin Turakhia while talking about what the word ‘fintech’ actually means, adding that the term is actually a fallacy. Speaking at Inc42’s The Makers Summit 2023 , Turakhia said the term, which has a lot at its core, is being used interchangeably across startups providing financial services. According to Zeta’s founder, ‘fin’ and ‘tech’ are very different things, and only a few startups can be called fintechs. “We can either become a bank or power banks. That is what I call fin and tech,” he explained. “There is no clear definition [of a fintech], and it is kind of difficult to make a clear definition out of it,” Turakhia noted. Explaining his stance, Turakhia said that the financial services ecosystem is just like any other sector/industry or ecosystem that has manufacturing, distribution and technology at its crux. “If you look at the financial services space, it is no different than any other ecosystem. You have manufacturers, distributors, and technology service providers,” Turakhia explained. If Turakhia is believed then all licenced, regulated and chartered financial institutions are the manufacturers of the space, and the companies like Zeta and the ones that provide enterprise solutions to licenced financial institutions are technology service providers. According to his categorisation, almost all ‘fintech’ startups are the ‘distributors’ in the financial services ecosystem. Recommended For You: 6th January, 2023 “The word ‘fintech’, for the most part, fits in this bucket (distributors). A majority of fintechs in the world are actually distributors,” the founder said. So, How To Know If You Are Running A ‘Fintech’ Startup? “If you truly want to call yourself a fintech, partner with a bank, and, at the same time, work on adding your own value. Create a niche experience, whether it is for commercial or end users, which the banks may not provide,” Tarukhia said. He added that fintech startups can build layers of value on top of a bank’s original products and then charge for that value. The Zeta founder said that companies should be able to create such an experience that their customers are willing to pay for it. “That’s a true fintech business if you really want to use the word,” he said. Turakhia, however, said that although founders are free to define their financial services business in any way they want, they need to be clear on selecting the right bucket. “You can’t be both – a manufacturer and a distributor, or a distributor and technology service provider,” he said, adding that even the regulators do not want this. RBI has clear guidelines on this, which discourage the practice of information exchange in bulk, Turakhia said. According to Tarukhia, startups that do so put themselves at massive regulatory risk. He added that such startups find it hard to get their core business values in place, including margin profile, persona, problem statement and product. The Zeta founder, who halved its FY22 losses in India , said there were significant opportunities in building niche financial businesses in the three buckets he described above. “However, you should be clear about the kind of business that you want to run and have a clear focus on four key things — product, persona, problem and proposition,” he concluded.

Zeta Frequently Asked Questions (FAQ)

  • When was Zeta founded?

    Zeta was founded in 2015.

  • Where is Zeta's headquarters?

    Zeta's headquarters is located at San Francisco.

  • What is Zeta's latest funding round?

    Zeta's latest funding round is Series C - II.

  • How much did Zeta raise?

    Zeta raised a total of $303M.

  • Who are the investors of Zeta?

    Investors of Zeta include Mastercard, Sodexo Ventures, SoftBank , MasterCard Start Path and Directi Web Technology.

  • Who are Zeta's competitors?

    Competitors of Zeta include Apto and 7 more.

Compare Zeta to Competitors

Bond Financial Technologies

Bond Financial Technologies offers an ecosystem of banks, fintechs, and brand partners around its API platform. It aims to provide software that lets partner brands to offer products such as credit cards and debit cards and aims to have its software integrate with a network of banks that can handle regulatory obligations on behalf of its customers. The company was founded by Roy Ng, the former COO of Twilio, the cloud messaging firm.

Apto Logo

Apto helps companies issue prepaid, debit, and credit cards to consumers or businesses. It is based in San Francisco, California.


Corserv delivers a solution for financial institutions of all sizes to provide superior credit card programs to consumer, business, and commercial customers. Corserv’s secure, cloud-hosted programs are scalable to serve the smallest to the largest financial institutions.

Treasury Prime Logo
Treasury Prime

Treasury Prime is a banking-as-a-service company to connect banks and financial technologies through an application programming interface (API). It offers an interface that enables users to embed banking services and provides neo-banking, commercial, and retail financial technology. It was founded in 2017 and is based in San Francisco, California.

Lithic Logo

Lithic offers a card issuing platform. It allows users to create payment cards for customers. It was formerly known as Pay with Privacy. It was founded in 2014 and is based in New York, New York.


Synapse develops a platform helping banks and developers work together. The technology involves developer-facing application programming interfaces (APIs) that allow companies to connect with banks to offer services, and also bank-facing APIs that allow banks to automate and extend back-end operations. It was formerly known as Synapse Payments. It was founded in 2014 and is based in San Francisco, California.

Discover the right solution for your team

The CB Insights tech market intelligence platform analyzes millions of data points on vendors, products, partnerships, and patents to help your team find their next technology solution.

Request a demo

CBI websites generally use certain cookies to enable better interactions with our sites and services. Use of these cookies, which may be stored on your device, permits us to improve and customize your experience. You can read more about your cookie choices at our privacy policy here. By continuing to use this site you are consenting to these choices.